Individual Disability

Disability insurance is a form of insurance that provides income to an individual who becomes disabled. Becoming disabled through an injury or sickness can lead to a significant loss of income. Disability insurance is designed to cover this loss as well as everyday living expenses incurred despite the disability.

Short term disability insurance can be ideal for an insured who desires

coverage immediately following the day of disability

disability insurance that is not tied to a particular job

coverage until employer-provided disability insurance takes effect

a lower premium as a result of a shorter benefit period

Long term disability may be the best option for an insured who

does not need immediate disability benefits because other resources are available